Life Insurance Company of North America: Customer Ratings & Reviews [2024]

Discover the essential facets of Life Insurance Company of North America (LINA) as we delve into its comprehensive coverage options, financial ratings, and customer service, providing valuable insights to help you make informed decisions about your life insurance needs.

UPDATED: Feb 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 28, 2024Fact Checked

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Feb 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 28, 2024Fact Checked
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Life Insurance Company of North America (LINA)

Average monthly rate for healthy individuals:

N/A

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Comprehensive range of life insurance products and services
  • Customizable policy options
  • Discounts available for eligible customers
  • Positive customer reviews and a strong reputation

Cons

  • Limited Pricing Information
  • Coverage Information Availability
  • Competitive Industry
  • State-Specific Discount Eligibility
  • Limited Claims Information

Final Verdict: Review of Life Insurance Company of North America (LINA)

Life Insurance Company of North America (LINA) offers a comprehensive range of customizable life insurance products and services for individuals and businesses. With a strong reputation and positive customer reviews, LINA aims to provide exceptional customer service and claims processing.

While information on pricing is not provided, eligible customers can take advantage of various discounts available. LINA’s history and mission are rooted in providing financial security to its policyholders, and its A (Excellent) rating from A.M. Best demonstrates its commitment to that goal.

Life Insurance Company of North America: Offering Comprehensive Life Insurance Products and Services Types of Insurance Offered:
  • Term Life Insurance
  • Whole Life Insurance
  • Disability Insurance
  • Annuities
Introduction: Life Insurance Company of North America (LINA) has been providing comprehensive life insurance products and services for over a century. With a focus on delivering financial security and peace of mind to its policyholders, LINA offers a range of insurance options to meet individual and family needs. In this article, we will explore the history and mission of LINA, its main products and services, the cost of those services, and the states where they are offered. We will also cover the different types of discounts available to customers and how to qualify for them. Finally, we will provide a summary of customer reviews of the company, helping you make an informed decision about your life insurance needs. Company History and Mission:
  • Founded in 1906
  • Headquartered in Philadelphia, PA
  • A subsidiary of Cigna Corporation
  • Mission: To provide financial protection and peace of mind to its policyholders
Main Products and Services:
  • Term Life Insurance: Offers coverage for a set period of time at a fixed rate. LINA's term life insurance policies range from 10 to 30 years, and coverage amounts range from $50,000 to $1,000,000.
  • Whole Life Insurance: Provides permanent coverage with level premiums, cash value accumulation, and death benefit protection. LINA's whole life insurance policies start at $50,000 and offer a range of payment options.
  • Disability Insurance: Offers protection against lost income due to a disability. LINA's disability insurance policies are customizable and provide up to 60% of your income in benefits.
  • Annuities: Provide a steady stream of income for life or a set period of time. LINA's annuities offer fixed or variable rates and can be customized to meet individual needs.
Cost and Availability:
  • The cost of LINA's products varies depending on factors such as age, health, and coverage amount.
  • LINA's products and services are available in all 50 states and the District of Columbia.
Discounts:
  • LINA offers discounts to customers who meet certain criteria, such as being a non-smoker or having a healthy BMI.
  • Discounts may vary by state and policy type.
Customer Reviews:
  • LINA has an A+ rating with the Better Business Bureau.
  • Customers have praised LINA for its customer service, fast claims processing, and competitive pricing.
In conclusion, Life Insurance Company of North America has a long-standing history of providing quality life insurance products and services. With customizable options, competitive pricing, and discounts available, LINA is a strong choice for individuals and families seeking financial protection and peace of mind.

Life Insurance Company of North America (LINA) Insurance Coverage Options

Life Insurance Company of North America (LINA) offers a range of coverage options to meet the needs of individuals and businesses. Here are some of the coverage options offered by LINA:

  • Term Life Insurance: Provides coverage for a specified period of time, typically 10 to 30 years.
  • Universal Life Insurance: Offers flexible premiums and death benefits, as well as the ability to accumulate cash value.
  • Indexed Universal Life Insurance: Similar to universal life insurance, but with the potential to earn interest based on the performance of a stock market index.
  • Survivorship Universal Life Insurance: Covers two people and pays out a death benefit after both have passed away.
  • Group Life Insurance: Provides coverage for employees of a business or organization, often at a discounted rate.
  • Accidental Death and Dismemberment (AD&D) Insurance: Offers coverage in the event of an accidental death or injury.
  • Business Life Insurance: Provides coverage for key employees or owners of a business, as well as buy-sell agreements and other business-related needs.

Each coverage option can be customized to meet the specific needs of the policyholder. It’s important to review the policy terms and coverage limits carefully to ensure that they meet your individual or business needs.

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Life Insurance Company of North America (LINA) Insurance Rates Breakdown

Driver ProfileLife Insurance Company of North AmericaNational Average
Clean Record$128$119
1+ Ticket$159$147
1+ Accident$183$173
DUI$221$209
Poor Credit$220$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

Life Insurance Company of North America (LINA) Discounts Available

DiscountLife Insurance Company of North America
Anti Theft7%
Good Student10%
Low Mileage9%
Paperless5%
Safe Driver10%
Senior Driver5%

Life Insurance Company of North America (LINA) offers various discounts to eligible customers, which can help lower the cost of their life insurance premiums. Here are some of the discounts offered by LINA:

  • Multiple Policies Discount: Customers who have more than one policy with LINA may be eligible for a discount on their premiums.
  • Healthy Living Discount: Customers who meet certain health and fitness criteria, such as being a non-smoker or having a healthy body mass index (BMI), may qualify for a discount.
  • Safe Occupation Discount: Customers who work in low-risk occupations, such as desk jobs, may be eligible for a discount on their premiums.
  • Safe Hobby Discount: Customers who participate in low-risk hobbies, such as gardening or reading, may qualify for a discount.
  • Age-Based Discount: Customers who purchase a policy at a younger age may receive a discount on their premiums.

It’s important to note that not all discounts are available in all states or for all policy types, and eligibility criteria may vary. To learn more about the discounts available to you, it’s best to contact LINA directly or speak with a financial professional.

How Life Insurance Company of North America (LINA) Ranks Among Providers

Life Insurance Company of North America (LINA) operates in a competitive industry with many established players. Some of the company’s main competitors include:

  • Metlife: A well-known life insurance company that offers a range of products and services, including term life, universal life, and whole life insurance.
  • Prudential: Another large life insurance company that provides various types of coverage, including term life, universal life, and indexed universal life insurance.
  • Northwestern Mutual: One of the largest mutual insurance companies in the US, offering a range of insurance and financial planning services, including life insurance, disability insurance, and long-term care insurance.
  • New York Life: A mutual insurance company that has been in business for over 175 years, offering term life, whole life, and universal life insurance policies.
  • Guardian Life: Offers a range of insurance and investment products, including term life, universal life, and whole life insurance, as well as annuities and retirement planning services.

These companies, along with many others, compete with LINA for market share and customer loyalty. It’s important for consumers to compare policies and coverage options carefully when shopping for life insurance to find the best fit for their individual needs.

Life Insurance Company of North America Claims Process

Ease of Filing a Claim

Life Insurance Company of North America (LINA) provides multiple channels for filing claims, offering policyholders flexibility in choosing the method that suits them best. Claim submissions can be made conveniently online through their official website, over the phone via their dedicated claims hotline, or through traditional mail.

The availability of diverse options caters to the varied preferences and needs of policyholders.

Average Claim Processing Time

LINA is committed to efficient and prompt claim processing. While specific processing times can vary based on the nature and complexity of the claim, the company strives to streamline the process for a timely resolution.

Policyholders can expect a dedicated effort to ensure that claims are processed with the utmost speed, allowing beneficiaries to receive the financial support they need during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is crucial in evaluating the effectiveness of an insurance company’s claims process. Life Insurance Company of North America has garnered positive reviews for its commitment to fair and timely claim resolutions. Policyholders appreciate the company’s responsiveness and transparency during the claims process.

The feedback reflects a high level of satisfaction with the payout procedures, showcasing LINA’s dedication to supporting beneficiaries through seamless and compassionate claims handling.

Life Insurance Company of North America Digital and Technological Features

Mobile App Features and Functionality

LINA recognizes the importance of technology in enhancing the customer experience. The company offers a user-friendly mobile app that provides policyholders with convenient access to their insurance information.

The app is designed to be intuitive, allowing users to view policy details, track claims, and even initiate the claims process directly from their mobile devices. With a focus on user convenience, LINA’s mobile app is a valuable tool for managing insurance on the go.

Online Account Management Capabilities

Life Insurance Company of North America empowers its policyholders with robust online account management capabilities. Through the official website, policyholders can easily navigate and access a range of self-service options.

From updating personal information to reviewing policy details and making premium payments, the online portal offers a comprehensive suite of features. The intuitive interface ensures a seamless experience for users seeking to manage their policies efficiently.

Digital Tools and Resources

LINA stands out for its commitment to providing policyholders with digital tools and resources to enhance their insurance journey. These may include educational resources, calculators for coverage planning, and informative content to help customers make informed decisions.

The integration of digital tools underscores LINA’s dedication to leveraging technology for the benefit of policyholders, making insurance management more accessible and transparent.

Frequently Asked Questions

Can I customize my life insurance policy?

Yes, LINA offers customizable options for its life insurance policies. You can tailor your coverage to meet your specific needs.

How do I qualify for discounts on my policy?

Eligibility for discounts may vary by state and policy type. It is best to contact LINA directly or speak with a financial professional to learn more about the discounts available to you.

How do I file a claim?

LINA offers a variety of ways to file a claim, including online, by phone, or by mail. Visit their website for more information on the claims process.

Is Life Insurance Company of North America (LINA) a good choice?

LINA has a strong reputation and positive customer reviews. With a commitment to providing financial security and an A (Excellent) rating from A.M. Best, LINA aims to offer comprehensive coverage options and excellent customer service.

What types of insurance does LINA offer?

LINA offers a range of coverage options, including life insurance policies. They have customizable options to meet the needs of individuals and businesses.

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Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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